When people are living paycheck to paycheck and have no credit, they may find themselves needing cash fast due to an emergency.  You would think that they could get payday loans from a bank.  However, the fact is that even if you have a steady job and paycheck, if you don’t have any credit, banks are not going to loan [...]

If you can get to the point where you can payoff the mortgage early, it will be one of the most liberating experiences of your life.  Mortgage free means the biggest “nut” is gone and you have reduced your fixed monthly costs dramatically. Some experts suggest that you should take any extra money and invest it in the market for [...]

When you are living paycheck to paycheck, a fact of more than 70% of Americans, you need to find ways to save money.  The good news is that there are tons of places to find ways to save money.   New concepts and promotions are on their way, and you can start finding ways to save on expenses and put money [...]

  When it comes to your job, which is what you spend at least 8 hours a day doing, there are things you should consider to improve your career and ensure that you are putting yourself in a better position to thrive.  There are many do’s and dont’s, and depending upon your goals things that you need to consider if [...]

If you are considering college today, you should seriously contemplate concentrating on a degree that has a higher probability of landing you a job (and, therefore, a low unemployment college degree), especially given the relatively high unemployment rate.  The fact is that recent education and health care graduates are finding jobs easier than many of their fellow college grads.   Bachelor [...]

With more scrutiny on payday lenders from federal agencies, including the consumer financial protection bureau, there seems to be either a switch or a movement to choices, including more traditional installment loans (which offer longer-terms and fixed payments); while they are more like a bank consumer loan (for example, a 3 year auto loan at 8% interest with a $350 [...]

Recent forecasts by the California Department of Finance suggest that Hispanics will represent approximately 41% of California’s population by 2020 and will be surpass 9.6 million workers between the ages of 25 and 65 by 2030.  The clear and unequivocal result: Hispanic Job Growth Opportunities.  Even today, Hispanics are the fastest growing population of business owners in California in spite [...]

It’s pretty sad when legislators spend their time focusing on payday loans rather than on finding ways to create jobs.  Here we go again.  San Antonio Payday Loans is a repeat story.  Recently, legislators in San Antonio were raising the red flag about how bad cash advances are for consumers.  Well, they are, according to the legislators, predatory, meaning that [...]